No, I'm not being disingenuous. I'm telling you that it can take a number of days (4 if a weekend is involved) for retail transfers between American bank accoun

No, I'm not being disingenuous. I'm telling you that it can take a number of days (4 if a weekend is involved) for retail transfers between American bank accounts to clear. I'm very aware that this is a matter of updating a simple database record--that's why it's so frustrating and why many people are bypassing this system entirely with stablecoins.